Credit Access Business

Opportunity Financial will not be the lender for loans received at this site. Opportunity Financial is a Credit Access Business. We will attempt to arrange a loan between you and a third party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by Opportunity Financial and not the lender.

Loan Terms

First time borrowers are eligible for between $500-$5,000.
Your loan will paid back in equal, fully amortizing and reoccurring payments over a term period of up to 179 days.
You have the right to rescind your loan within 3 days of signing your loan contracts. To access the cancellation forms, Click Here.


You have the right to repay your loan in full at any time with no pre-payment penalty. Your loan is structured to be paid back in equal fully amortizing installment payments over a term period of up to 179 days.

Fee Schedule and APR

Your Credit Access Business fee will be 189% APR. You will also be charged interest by your lender of 10.00% APR on loan principal and CAB fees. Click here to find fee schedules for three common loan amounts offered to our customers.

Consumer Disclosure Form

This link leads to disclosures, required by the state of Texas for all residents applying for a CAB loan or an extension, which outline the total costs associated with these types of loans of different amounts.

An Estimate of the Costs of a 5-6 month $500 Loan

An Estimate of the Costs of a 5-6 month $1,000 Loan

An Estimate of the Costs of a 5-6 month $1,500 Loan

Consumer Credit Notice

This business is licensed and examined by the State of Texas – Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, 800-538-1579, consumer.complaints@occc.state.tx.uswww.occc.state.tx.us.

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

If you have questions or concerns about your loan, please contact the Opportunity Financial Customer Support Team by phone at 855-408-5000, Monday-Friday, 7 a.m.- 7 p.m. Central Time, or by sending an email to: apply@opploans.com.

View our Texas License |  View our Texas Credit Services Organization Registration Certificate

Learn more about avoiding the risks of title and payday loans in Texas in our State Guides section.